Planning and FENSA Indemnity Insurance
Our Planning and FENSA Indemnity Insurance provides a practical, lender-approved solution that enables transactions to progress smoothly. It protects buyers and lenders against the potential legal and financial consequences of historical oversights, such as missing planning permission.
Why consider planning and FENSA Indemnity Insurance?
When alterations or installations have been made to a property without the correct documentation, such as planning approval or FENSA certification, this indemnity policy can help bridge the compliance gap.
We typically recommend this policy in the following situations:
- Planning permission or building regulation consent was not obtained
- Replacement windows or doors were installed without a FENSA certificate
- There is no evidence of approval for historic structural changes
- The local authority’s enforcement period has not yet expired
This policy is a common and effective way for solicitors, conveyancers, and mortgage brokers to avoid delays. It also keeps full legal protection for everyone involved.
Who needs this type of cover?
Planning and FENSA Indemnity Insurance is suitable for:
- Buyers looking for reassurance and protection from retrospective enforcement
- Sellers who cannot locate historical approvals or certificates
- Solicitors and conveyancers needing a fast, compliant solution to proceed
- Mortgage lenders requiring risk mitigation in the absence of documentation
Whether you’re dealing with a single residential dwelling or a portfolio of properties, our brokers will source the right policy to match the risk profile of your transaction.
Why choose Lloyd & Whyte Legal Indemnities?
As a fully independent and FCA-regulated broker, we are trusted by law firms, lenders, and property professionals across the UK to deliver:
- Fast and responsive service tailored to your timelines
- Policies from leading UK insurers accepted by high-street mortgage lenders
- Clear guidance on eligibility and documentation
- Flexible terms for residential, commercial, leasehold, and freehold properties
Our team has decades of combined experience in arranging specialist legal indemnity policies that safeguard your client’s interests without holding up completion.
Key benefits of this policy
- Facilitates faster exchange and completion
No need to wait for retrospective consents or FENSA re-certification. This policy enables smooth progression to completion, especially in chain-dependent sales. - Meets lender requirements
We only place policies that are widely recognised by UK mortgage providers—keeping your client’s funding safe. - One-Off premium, long-term cover
There are no renewals or ongoing costs. Cover lasts as long as your client owns the property and can extend to successors in title. - Peace of mind for all parties
Whether you’re acting for the buyer or seller, this indemnity gives reassurance that historical oversights won’t become future liabilities.
